Use your Self-Managed Super Fund to invest in commercial or residential property. Competitive rates, fast approvals, expert guidance — tailored for Australian business owners.
An SMSF property loan (also known as a Limited Recourse Borrowing Arrangement or LRBA) allows your Self-Managed Super Fund to borrow money to purchase an investment property. This is one of the most powerful strategies available to Australian business owners and SMEs.
Buy the property your business operates from — or residential investments inside your SMSF.
Lender's recourse is limited to the asset purchased — your other SMSF assets are fully protected.
Capital gains and rental income taxed at concessional super rates — as low as 0% in pension phase.
Unlock powerful benefits that combine superannuation tax advantages with real property investment.
Buy the commercial property your business occupies — pay rent to your own SMSF, building retirement wealth with every lease payment.
Rental income earned inside your SMSF is taxed at just 15% — dropping to 0% once you enter pension phase.
LRBA structure means lenders cannot access your other superannuation assets in the event of a default.
Long-term property appreciation within a tax-advantaged environment accelerates your retirement savings significantly.
Add direct property to your SMSF investment mix alongside shares, cash, and other assets for a balanced strategy.
Loan terms up to 30 years, interest-only options, and fixed or variable rate structures to suit your SMSF's cash flow.
Our streamlined process gets your SMSF property loan approved quickly and efficiently.
We review your SMSF structure, fund balance, and property goals.
Compliance check and borrowing capacity calculated for your fund.
We compare multiple SMSF lenders to find your best rate and terms.
Formal pre-approval issued promptly after document submission.
Bare trust established, contracts exchanged, property settled.
We fund a wide range of property types within SMSF structures across Australia.
CBD and suburban commercial spaces
Warehouses, factories & storage
Houses, apartments & townhouses
High-street and shopping centre retail
Combined commercial & residential
Sites where any development is going on
Most SMSF property loan applications require the following. Our team will assess your situation in detail during your free consultation.
Firstmac SMSF Residential — effective 1st April 2026. Contact us for a personalised comparison across our full lender panel.
*Indicative rates only. Effective 1st April 2026. Rates subject to change. Subject to lender assessment, SMSF compliance, and creditworthiness. Always obtain formal credit advice.
Pooja Chaudhary — Finance Expert, Probiz Finance
With extensive experience helping Australian SMEs and business owners navigate the SMSF lending landscape, Pooja brings deep expertise in Limited Recourse Borrowing Arrangements, superannuation compliance, and commercial finance strategy. She is committed to finding the right SMSF property loan solution for each client — from first-time SMSF borrowers to seasoned property investors.
Pooja works with a panel of specialist SMSF lenders to ensure her clients receive competitive rates, transparent advice, and a smooth settlement experience — every time.
Australian business owners who've secured their SMSF property with our help.
"We purchased our entire office suite through our SMSF. The process was seamless and now our rent payments go directly into our super fund. Best financial decision we've made."
"As a small business owner I was sceptical about SMSF property loans, but the team explained everything clearly. Pre-approval came quickly and we settled within 6 weeks. Highly recommend."
"We purchased a warehouse through our SMSF for our manufacturing business. Our accountant said it was one of the smartest structures he'd seen. Probiz Finance made it happen efficiently."
Common questions about SMSF property loans answered by our specialists.
Get a free, no-obligation assessment of your SMSF's borrowing capacity. We serve clients across all Australian states and territories.
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